The cost of business funding varies by product, amount, term length, and your business profile. All terms are disclosed in writing in your offer before you sign. No surprises.
Structured as a factor rate. For example, a factor rate of 1.30 means you repay $1.30 for every $1.00 advanced. A $50,000 advance at factor rate 1.30 = $65,000 total repaid. Typical term: 6-18 months. Equivalent APR typically 30-100% depending on risk profile and term length.
Structured as a traditional interest rate. APR typically 9-25% for qualifying borrowers. Fixed monthly payments, 1-5 year terms.
Interest charged only on the amount drawn. APR typically 10-30%. No fee for maintaining the line unused. Pay it down and re-draw as needed.
Traditional interest rate. APR typically 8-20%. Equipment serves as collateral. 1-7 year terms matching equipment useful life.
Lower rates but longer process. APR typically prime + 2-3% (around 11-13% as of May 2026). 5-25 year terms.
Some structures include an origination fee of 1-3% of the funded amount. This is disclosed in your offer. We do not charge an application fee, review fee, or hidden administrative fees.
Honest answer: speed and accessibility have a price. Bank loans are cheaper because banks underwrite slowly and only approve top-tier credit. We approve in hours and accept FICO 500+. The premium pays for the speed and the broader risk we underwrite.
In every offer, you'll see: funded amount, origination fees, total to repay, payment amount, payment frequency, total number of payments. All in exact dollars and cents before you sign.
This page is informational. Rates and terms vary by specific product, business profile, and market conditions. Your exact offer is based on complete underwriting of your file. For specific terms for your business, apply to see a personalized offer.
5-minute application. Soft credit pull only.
Approved on your revenue, not just your credit. Start your 1-minute application.
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.